The ATM story is not ending. It is evolving. Across retail banking, ATMs are moving beyond basic cash dispensing and becoming smarter self-service banking platforms for deposits, customer engagement, remote management, and stronger security. In the U.S., banks are relocating ATMs into branch lobbies, expanding deposit ATMs and cash recyclers, and adding more software-driven functionality. Today, 45% of U.S. ATMs feature automated note deposit, 27% support NFC contactless transactions, and 38% use CRM software.